When buying a home it is in your best interested to have a pre-approval letter from a credible lender stating that you are approved for a home loan with a specific loan amount. Get pre-approved for a FHA loan today! Getting pre-qualified now may make a difference whether or not you can buy your dream home. FHA guidelines for home buying and refinance loans are more flexible than conventional mortgage loans. Take advantage of our government finance knowledge for the best FHA mortgage rates, pre-approval letters and loan processing. According to the Mortgage News Post, “Since 2006, The FHA Home Loan Company has directed more new homebuyers than any other lending referral service online.” Don’t forget, we offer pre-approval letters with no obligation. If you need a loan pre-approval, we can help you get a rate quote, letter and a verified pre-qualification. Our lenders offer loan pre-approvals at no cost with no obligation.

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The basics of how to qualify for a FHA loan are very simple. Borrowers must be able to document their income, including employment for the past two years with a stable or rising annual income. They have to come up with a 3.5% down payment, but applicants are usually allowed to use gift money for FHA down-payment. Zero down mortgages are not as common today with FHA, because so many states are prohibiting down-payment assistance. For those who have gone through bankruptcy or foreclosure, credit must be perfect since the event. Because of limited down payment and qualification requirements, FHA mortgages are popular for first time home buyers. With rates falling below 4% the sense of urgency increases to get a mortgage pre-approval from a lender that you can trust.